Homeownership in the UK: The Unknowns of the Mortgage World

Thinking about buying a home in the UK but not sure where to start — or what could affect your mortgage application?

In this episode of Biz Bize – Life in the UK, İrem sits down with Çağrı Keçeci, Founder of Trusted Tree Mortgages, to unpack the UK mortgage process and answer some of the questions we hear most often from the Turkish community.

We talk about:

· How the UK mortgage process actually works

· Credit history and why missed payments matter

· Mortgages for Skilled Worker visa holders and newcomers to the UK

· Mortgage applications for self-employed applicants

· Gifted deposits and financial support from family

· Using savings or family support coming from Türkiye

· What first-time buyers should know before house hunting

· How Buy-to-Let mortgages work

· Fixed vs variable mortgage rates

· Common mistakes and misconceptions that could affect your options

Should you find the house first — or understand how much you can borrow first? And could your visa status, employment type or even the way money arrives from Türkiye change your mortgage options?

Whether you’re new to the UK, planning to buy your first home or considering a property investment, this conversation is a useful place to start.